On November 9, chinese people bank releases announcement to say, basis " the decision that clears orgnaization admittance management about carrying out a bank to get stuck " " bank card clears orgnaization management way " wait for concerned regulation, the Central Bank was examined jointly with the silver-colored meeting that keep watch a few days ago passed " connect (Hangzhou) the technology serves limited company " orgnaization of referred bank card liquidation prepares application. Connect the company needs to be prepared in a year period inside after completing preparatory work, apply for practice to the Central Bank according to legal process.
In development of bank card industry, orgnaization of bank card liquidation is core, its action is between two parties and the standardization that blocks a service through promoting a bank, harmonious each interest, the scale that implements bank card is issued with accept extensively, raise bank card to hand in manageability and capital liquidation efficiency. Current, silver-colored couplet is our country exclusive card of a bank liquidates an orgnaization. And obtain this approve connect the company will become the 2nd bank of our country to block liquidation orgnaization, also be orgnaization of liquidation of first foreign capital.
Bank card market is open enter substantial phase
Connect the company is the United States carry connects a company to start the joint-stock company that create in our country churchyard, by the United States carry connects company and domestic banking science and technology to serve a company again and again the number is joint-stock hold water, register capital 1 billion yuan, will apply for to prepare a bank to block carry of United States of liquidation orgnaization, operation to connect a brand as market main body.
"This mark is worn market of card of our country bank opens to the outside world entered materiality phase, it is the another achievement that industry of our country banking opens to the outside world. " Chinese people university weighs academy of in relief finance senior researcher Dong Ximiao thinks, active and reliable introduce foreign capital bank to block an organization, since our country expands and deepen the significant move that financial industry opens to the outside world, also be helpful for optimizing our country bank to block market industry construction, raise a bank to block market competition level.
Place of finance of courtyard of Chinese company division pays science and technology of director of liquidation research center, finance 50 people forum chief economist Yang Tao emphasizes, this shows the financial internationalization pace of our country still is being advanced steadily according to established guiding principle, and enter arrive the level of money market infrastructure that serves as core, drive the strategy with financial two-way and open industry to did not shake it is thus clear that, this also can remove the abroad doubt that varied background leaves situation of near future international.
Open do not be equal to without giving thought to,unlock, before foreign capital liquidates an orgnaization to enter, relevant system is ensured already relatively complete. Before this, our country had made relevant way, for the bank fastener market is opened undertook preparative adequately. In April 2015, the State Council is released " the decision that manages about carrying out a bank to block liquidation orgnaization admittance " clear, application orgnaization classics superintends approval, obtain a bank to block liquidation business license lawfully, can become the orgnaization that is engaged in a bank technically blocking liquidation business. In June 2016, " bank card clears orgnaization management way " release, no matter be,make clear inside endowment still be foreign capital enterprise, all have the possibility that becomes a bank to block liquidation orgnaization, the field such as condition, conduction program, business government is created in the orgnaization " a bowl of Shui Duanping " . In June 2017, the Central Bank is released " admittance of orgnaization of bank card liquidation serves a guideline " , emphasize liquidating an orgnaization to be restricted without the amount.
Advance a bank to block liquidation orgnaization admittance in order lawfully
"This American carry connects a company to obtain market admittance to permit is a basis " the decision that clears orgnaization admittance management about carrying out a bank to get stuck " with " admittance of orgnaization of bank card liquidation serves a guideline " make, our country government fulfilled his commitment. " Zhao snipe expresses deputy secretary-general of seminar of Beijing network law.
Current, mode of operation of orgnaization of bank card liquidation already became global bank to block the mainstream pattern that the industry develops, and the oligopoly situation that global market appears to be centered highly. The use of foreign partner United States that gains admittance this connects one of 3 big tycoons that the company is international card organization.
"The essence that this bank card clears the market is opened is China only pay a service market implementation the first pace that comprehensive, high administrative levels opens place to be stridden. " Zhao snipe thinks, this the bank blocks the essence that clears the market to open is future necessarily the financial service of higher level is opened and even the sinfonia that financial system opens in the round.
The Central Bank expresses about chief, next, chinese people bank will continue to follow open, fair, just principle, advance a bank to block job of liquidation orgnaization admittance in order lawfully.
Consumer will be enjoyed more multivariate pay a service
In the United States carry is connected obtain batch after preparing to construct, yang Tao thinks, will appear very quickly organization of the 2nd card that hold a card, conduce to the efficiency of emulative kimono Wu that promotes a bank fastener market, be helpful for consumer enjoying more the disbursement of diversity serves.
Yang Tao thinks, this is helpful for urging country retail those who pay an industry chain is farther deepen reform, form the orgnaization of organization of calorie of organization, other and concessionary liquidation, finance, competition that pays a company complementary new structure. In the meantime, abroad card organization is in possibly also cross condition pay a service the respect somewhat exert oneself, and collecting user of kimono Wu high end, improvement put oneself in another's position of user experience side reveals oneself characteristic, satisfy new requirement of the client outside the churchyard below RMB internationalization setting thereby. This also the international of farther straight face such as organization of card of can incentive home, concessionary liquidation organization competes, drive those who produce catenary of course of study and platform pattern to optimize, active " go " the advanced experience that shares oneself of international market, output and technology, for the whole world retail pay to be made with the improvement that clears the market " China is contributed " .
Dong Ximiao thinks, connect the company had more choices to be being meant for orgnaization of our country finance and consumer. But domestic bank card collects fees the possibility that drops substantially is not large, with card of international mainstream bank rate photograph is compared, at present our country bank blocks cost to lead had been on the low side apparently. In low cost rate level falls, although clear increase of market main body, be afraid relevant cost rate has big adjustment hard also leeway. But, a more transparent and open market, will drive better the bank gets stuck and pay the market innovation development, make society more progress, make the life better.
